If the applicant does not voluntarily provide the information, the financial institution must make a visual observation or determination by surname to collect the GMI.10 Unlike the HMDA, Regulation B does not require creditors to aggregate the information into a register or report it.
There are two schedules during the week, Monday to Friday. Commute Schedule - Monday to Friday. This schedule runs early morning and early to mid-evening and the end point/start point in San Francisco for the commute schedule is the Ferry Building at the foot of the Financial District/Embarcadero District.
The Red Hook ferry to Cruz Bay St John leaves every hour on the hour from 6:00 a.m. until midnight during high season and takes about 20 minutes. The cost of the ferry is currently $6 per person, plus $2 per large bag (small purses and backpacks that remain with you are free).